Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$70,357Cash toward the purchase price.
Closing costs + prepaids$14,944Not just lender fees.
Before credits & paid funds$85,302The complete starting cash picture.
Estimated remaining funds due at closing
$85,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,357.46
Your down payment$70,357.46
Closing costs + prepaids$14,944.36
Total buyer cash needed$85,301.83
Remaining funds due$85,301.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,598.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,302.00
Initial HOA (3 months)$90.00
Prepaid interest, first (29 days)$1,836.15
Fees + prepaids$14,944.36
Your down payment is the seller’s equity. You take over the $319,643 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $85,301.83 is due at closing. Uses and sources reconcile at $404,944.36 each. Not a Closing Disclosure.